Keep cash longer and satisfy payees with instant payment services

Send payments 24/7/365 

Keep cash longer and satisfy payees with instant payouts for gig workers, marketplace sellers and sub-merchants, insurance claims, online loan funding and more. Our RTP system allows instant funds availability for recipients around the clock.

Receive payments faster to boost liquidity 

Collect receivables faster and gain more control for cash management with instant payments solutions that are irrevocable. SVB's real time payment platform enables fast bank transfers directly to your business checking account.

Reduce costs and risk, increase control over cashflow management by using real-time payment solutions

Dollar Sync Duotone Transfer instantly up to $10M  Enable real-time funding up to $10M in USD in a single transfer via the Real Time Payments® (RTP®) network. Our RTP payments capability delivers speed and scale for high-value transactions.
Cog Double Duotone Automate reconciliation  Save time and increase accuracy with fast, detailed transaction data and automated reconciliation. 
Hand Holding Dollar Duotone Reduce costs and risk  Instantly move money at less cost than most traditional same-day methods, with irrevocable transactions to avoid returns and chargebacks. 
Shield Lock Duotone Safeguard your business  Count on multi-layered fraud prevention and risk management controls across SVB and RTP networks. 

SVB Instant Payments APIs enable seamless money movement in fintech platforms

Embed instant payment efficiency with APIs

SVB Instant Payments APIs enable seamless money movement in fintech platforms, on-behalf-of payments for third-party processors, and other innovation economy use cases. Integrate our platform directly into your systems for real time payment processing at scale.
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Instant Payments FAQs 

What is an instant payment? 

An instant payment is an electronic credit transfer between financial institutions that can be initiated and settled almost immediately. Businesses can send or receive instant payments 24/7/365 using a service like the Real-Time Payment (RTP) network. 

How do we receive real-time payments? How do we receive real-time payments? 

To receive instant payments, your customer (or other payer) initiates the money transfer to your business checking account. Unlike ACH where you can pull payment by debiting a payer’s account, with the RTP network payers must initiate the credit transfer. 

When can we make instant payments? 

Real-time payment networks provide maximum flexibility to send payments 24/7/365. No more having to plan around banking business hours, weekends or holidays. Recipients receive funds immediately in their bank account, and senders receive confirmation with detailed transaction data for easier reconciliation.